Is a grandparent scam call common and how does it work?
Grandparent scams are extremely common. A caller pretends to be a grandchild (or their lawyer) in an emergency and asks for money urgently before the family finds out.
Last reviewed: 1 June 2026
Explanation
Grandparent scams exploit the bond between older adults and their grandchildren. The caller may say 'Grandma, it's me — I'm in trouble, don't tell Mum'. If the grandparent suggests a name, the scammer confirms it. The story involves a car accident, arrest, or medical emergency requiring immediate bail, legal fees, or hospital payment. A second 'lawyer' or 'police officer' may also call to add legitimacy. Money is requested by gift card, wire transfer, or a courier who comes to collect cash. AI voice cloning has made these calls harder to detect. The single most reliable defence is a family code word that any caller must provide in an emergency.
Common red flags
- Caller hints at identity, then confirms whatever name you suggest
- Extreme urgency and request for secrecy from other family members
- Money demanded by gift card, wire transfer, or cash via a courier
- Voice sounds slightly different but explains it with injury or stress
What to do now
- Hang up and call the grandchild directly on their known number
- Ask a personal question only the real grandchild would know
- Do not give money or gift cards to any courier
- Report the call to police and your national fraud service
Frequently asked questions
What is the best protection for an elderly relative who lives alone?
Agree on a secret family code word that must be used in any phone emergency. Also register their number with your national call-blocking service to reduce scam call volume.